Personal Auto InsuranceQuestion 14 of 158
An insured's parked vehicle is broken into overnight; a window is smashed and a laptop is stolen from the back seat. Under the Personal Auto Policy, the broken glass is paid under which coverage?
a.Other Than Collision (Comprehensive)
b.Collision
c.Liability (Part A)
d.Medical Payments (Part B)
Explanation
Glass breakage and theft of the vehicle (or vandalism damage to the vehicle) are classic Other Than Collision (Comprehensive) losses under Part D. Note that the laptop is personal property, not part of the vehicle, and would not be covered by the auto policy at all — it would fall to a homeowners or renters policy.
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